Affordable Health Insurance for Individuals

HMO (Health Maintenance Organization) Plans

With a regular premium and no deductible, these plans usually cover many types of regular services, but coverage is limited to a network of doctors and the referral from your primary care physician.  Learn more about HMO plans here.

PPO (Preferred Provider Organization) Plans

PPO plans are sometimes the only choice if you have pre­existing conditions. They also have a monthly premium and often have a deductible as well – which you pay before you can receive treatment. They operate with a network of doctors but you don’t need a referral to see a specialist. Visit our PPO plan page here.

Point of Service (POS) Plans

Point of Service plans operate much like HMOs, but you can see doctors outside of the care network. Of course, you’ll end up paying more for that flexibility. Discover the benefits of and receive detailed information about POS plans here.

Self Directed Health Insurance Plans (SDHPs)

These plans have a low premium and provide a regular allowance for preventive care, along with flexibility in choosing doctors and preventive services. Their drawback is the higher co­payments and deductibles for chronic conditions, or in case of illness or injury. Read all about SDHPs here.

High Deductible Health Insurance (HDHPs)

High-deductible plans are inexpensive for those who have minimal ongoing health care costs. For a low monthly premium, patients have access to a plan with a high deductible (think $1,200­$2,000). In an emergency or sudden illness, where your health costs exceed the high deductible, the plan will kick in and help pay expenses. Learn the basics of HDHPs here.

Fee-for-Service Plans

Fee-for-service plans offer the most flexibility in health care but they also have the highest out-of-pocket costs. With a fee for service plan, you can see any doctor or go to any hospital – but you’ll have high deductibles and ongoing co-payments. Read a detailed overview of fee for service plans here.

Indemnity Health Insurance Plans

Indemnity health plans are a hybrid of HMO and PPO plans that offer the flexibility in choosing which doctors to see. Indemnity health plans offer the option to choose in-network doctors at lower costs, or you can opt for out-of-network providers at a higher cost. Learn all about Indemnity health insurance here.

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Affordable-Health-Insurance.com is an informational resource only and not an insurer or broker. The information on this site is provided for research purposes only, and is not necessarily affiliated with any specific carrier. We are not necessarily associated with any provider profiled on our site, and make no guarantees about the carrier affiliation of any broker that contacts you. Coverage options and policies may not be available in every state, and no guarantees of the same are made herein.